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# Brinks money card direct deposit

Date: | 15-авг-2021 |
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## brinks money card direct deposit

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## How to calculate my mortgage payment formula

Justin Pritchard, CFP, is a fee-only advisor and an expert on banking. He covers banking basics, checking, saving, loans, and mortgages. He has an MBA from the University of Colorado, and has worked for credit unions and large financial firms, in addition to writing about personal finance for nearly two decades. Loan payment calculations, or monthly payment formulas, provide the answers you need when deciding whether or not you can afford to borrow money. Typically, these calculations show you how much you need to pay each month on the loan—and whether it'll be affordable for you based on your income and other monthly expenses. Calculate your monthly payment (p) using your principal balance or total loan amount (a), periodic interest rate (r), which is your annual rate divided by the number of payment periods, and your total number of payment periods (n): Calculating payments for an interest-only loan is easier. Multiply the amount you borrow (a) by the annual interest rate (r), then divide by the number of payments per year (n). Or, multiply the amount you borrow (a) by the monthly interest rate, which is the annual interest rate (r) divided by 12: Credit cards also use fairly simple math, but determining your balance takes more effort because it constantly fluctuates. Lenders typically use a formula to calculate your minimum monthly payment that is based on your total balance. For example, your card issuer might require that you pay at least or 1% of your outstanding balance each month, whichever is greater. For example, if you owe ,000 on your credit card and your minimum payment is calculated as 1% of your balance, you would multiply ,000 by 0.01 to get a minimum monthly payment of . This would not include any late fees or other penalties owed. Check your math with a credit card payment calculator. Because your credit card charges interest each month, your balance changes every month, affecting what your minimum monthly payment will be. Many times, the minimum monthly payment on a high balance will not be enough to cover the accrued interest. For example, if the card in the previous example has a 19.99% annual percentage rate (APR), you would calculate your monthly interest charges by multiplying your balance by the APR/12 or 0.1999/12, which is 0.0166. If you multiply 0.0166 by the ,000 balance, you get 6.20, which would be the amount of interest you accrued for that month. As you can see, the interest charges exceed the minimum monthly payment, so the balance would continue to grow even if making the minimum payment each month. It can be difficult to understand exactly how much you'll pay when you have several competing loan offers. One might have a lower interest rate, while another offers lower fees. Figuring out which offer to choose means you'll need to calculate the total cost of the loan including interest and fees. Calculators help with apples-to-apples comparisons. For example, some amortization calculators show you lifetime interest which you can use to compare interest costs from loan to loan. APR is another useful tool for comparing loan costs. On mortgages, some APRs account for upfront costs (such as closing costs) in addition to the interest rate you pay on your loan balance. You might not even qualify for the lowest advertised APR. If the APR is low but closing costs and fees are high, and you don't keep your loan for very long, you won't see the benefits of that low APR. With mortgages, you'll also want to take into account other costs, such as property taxes, homeowners insurance and homeowners association fees. A good mortgage calculator (see below) can help you account for all of those costs to get the true cost of the house. Your monthly loan payment is just a result of the loan amount, the interest rate, and the length of your loan. Salespeople and lenders can make a low monthly payment seem like you’re getting a good deal—even when you’re not. For example, some auto dealers want you to focus solely on your monthly payment, which is why they often ask how much you can afford each month. With that information, they can sell you almost anything and fit it into your monthly budget by extending the life of the loan. Stretching out your loan means you’ll pay more in interest over the life of the loan, increasing the total cost of the loan. Plus, longer-term loans might be riskier: When they're used by buyers with lower credit to finance larger amounts, there's a greater risk of default. To further minimize your loan costs, try to pay off your debt early. As long as there's no prepayment penalty, you can save on interest by paying extra each month or by making a large lump-sum payment. If you don't want to do calculations by hand, create your own calculator in a spreadsheet program like Microsoft Excel or Google Sheets, or download an existing spreadsheet calculator and adapt it to your own needs. Either option allows you to complete calculations and see how a loan's balance and interest payments change every month over the life of the loan. If an item is eligible for monthly payments on Amazon, then you simply need to select monthly payments at checkout. The payments will be automatically deducted from your account's primary credit card. Justin Pritchard, CFP, is a fee-only advisor and an expert on banking. He covers banking basics, checking, saving, loans, and mortgages. He has an MBA from the University of Colorado, and has worked for credit unions and large financial firms, in addition to writing about personal finance for nearly two decades. Loan payment calculations, or monthly payment formulas, provide the answers you need when deciding whether or not you can afford to borrow money. Typically, these calculations show you how much you need to pay each month on the loan—and whether it'll be affordable for you based on your income and other monthly expenses. Calculate your monthly payment (p) using your principal balance or total loan amount (a), periodic interest rate (r), which is your annual rate divided by the number of payment periods, and your total number of payment periods (n): Calculating payments for an interest-only loan is easier. Multiply the amount you borrow (a) by the annual interest rate (r), then divide by the number of payments per year (n). Or, multiply the amount you borrow (a) by the monthly interest rate, which is the annual interest rate (r) divided by 12: Credit cards also use fairly simple math, but determining your balance takes more effort because it constantly fluctuates. Lenders typically use a formula to calculate your minimum monthly payment that is based on your total balance. For example, your card issuer might require that you pay at least or 1% of your outstanding balance each month, whichever is greater. For example, if you owe ,000 on your credit card and your minimum payment is calculated as 1% of your balance, you would multiply ,000 by 0.01 to get a minimum monthly payment of . This would not include any late fees or other penalties owed. Check your math with a credit card payment calculator. Because your credit card charges interest each month, your balance changes every month, affecting what your minimum monthly payment will be. Many times, the minimum monthly payment on a high balance will not be enough to cover the accrued interest. For example, if the card in the previous example has a 19.99% annual percentage rate (APR), you would calculate your monthly interest charges by multiplying your balance by the APR/12 or 0.1999/12, which is 0.0166. If you multiply 0.0166 by the ,000 balance, you get 6.20, which would be the amount of interest you accrued for that month. As you can see, the interest charges exceed the minimum monthly payment, so the balance would continue to grow even if making the minimum payment each month. It can be difficult to understand exactly how much you'll pay when you have several competing loan offers. One might have a lower interest rate, while another offers lower fees. Figuring out which offer to choose means you'll need to calculate the total cost of the loan including interest and fees. Calculators help with apples-to-apples comparisons. For example, some amortization calculators show you lifetime interest which you can use to compare interest costs from loan to loan. APR is another useful tool for comparing loan costs. On mortgages, some APRs account for upfront costs (such as closing costs) in addition to the interest rate you pay on your loan balance. You might not even qualify for the lowest advertised APR. If the APR is low but closing costs and fees are high, and you don't keep your loan for very long, you won't see the benefits of that low APR. With mortgages, you'll also want to take into account other costs, such as property taxes, homeowners insurance and homeowners association fees. A good mortgage calculator (see below) can help you account for all of those costs to get the true cost of the house. Your monthly loan payment is just a result of the loan amount, the interest rate, and the length of your loan. Salespeople and lenders can make a low monthly payment seem like you’re getting a good deal—even when you’re not. For example, some auto dealers want you to focus solely on your monthly payment, which is why they often ask how much you can afford each month. With that information, they can sell you almost anything and fit it into your monthly budget by extending the life of the loan. Stretching out your loan means you’ll pay more in interest over the life of the loan, increasing the total cost of the loan. Plus, longer-term loans might be riskier: When they're used by buyers with lower credit to finance larger amounts, there's a greater risk of default. To further minimize your loan costs, try to pay off your debt early. As long as there's no prepayment penalty, you can save on interest by paying extra each month or by making a large lump-sum payment. If you don't want to do calculations by hand, create your own calculator in a spreadsheet program like Microsoft Excel or Google Sheets, or download an existing spreadsheet calculator and adapt it to your own needs. Either option allows you to complete calculations and see how a loan's balance and interest payments change every month over the life of the loan. If an item is eligible for monthly payments on Amazon, then you simply need to select monthly payments at checkout. The payments will be automatically deducted from your account's primary credit card.

date: 15-Aug-2021 10:53next

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